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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,610 | $47,479-88.2% | $62,929-91.1% | $82,448-93.2% |
| Participation rate | 57.7% | 66.9%-9.2pp | 73.1%-15.4pp | 68.1%-10.4pp |
| Annual return | 24.52% | 20.34%+4.2pp | 1063.93%-1039.4pp | 41.64%-17.1pp |
| Employer contribution / active EE | $721 | $1,885-61.8% | $2,505-71.2% | $2,551-71.7% |
| Participant deferral / active EE | $854 | $2,870-70.3% | $3,888-78.0% | $4,139-79.4% |
| Admin fee / account holder | $1,725 | $3,804-54.7% | $5,065-65.9% | $7,234-76.2% |